Right now I would like an 85/15 AA. My company just replaced some old funds with some Vanguard funds. Can you please provide some insight into how I should set up my AA? The VINIX was previously a S&P 500 Index fund that was automatically transferred. Any help is much appreciated. Thanks! Curren...

Following this thread closely as I'll be in Budapest in April too! Is there a rough percentage of places that only accept Euro as opposed to forint? Something like 30/70? I hope I don't have to carry around both.

Thanks everyone for the responses. I just applied for a Capital One credit card. It said I was approved and would have the card in 7-10 days. I believe I'll still follow-up to check on the status and ensure that it's actually being sent. Will I need to ask the company about the CHIP + PIN info or wi...

Thanks everyone for the comments. Unfortunately the CC I have is with Wells Fargo. I'm assuming in 3 weeks I won't be able to obtain a CC that has no transaction fees. :? MathWizard--Were there any additional fees for obtaining a small amount of local currency at your bank before departing? For all,...

Hi All, I'm traveling overseas in 3 weeks for the first time and had some questions regarding currency exchange. I'm going to visit Hungary (forint) and Croatia (kuna). For those who have traveled how to recommend I obtain local currency? I have heard of some people who obtain some currency before d...

How would one use mathematics to arrive at the end results listed below? Math has never been my strong suit (in part because I avoided it as though it were the plague in my formative years :? ). Also is there a good resource for similar finance-related issues and how to apply mathematics in order to...

Hi All, With an 85/15 AA, what would be the best way to represent this using the following funds only : Vanguard Extended Market Index Fund Signal Shares (VEMSX) Vanguard Institutional Index Fund Institutional Shares (VINIX) Vanguard Total International Stock Index Fund Signal Shares (VTSGX) Vanguar...

What resources did you use for searching/booking your accommodations? Others have already provided some excellent resources in this thread, but I wasn't sure if you were using something that hasn't been mentioned yet. Have a wonderful trip and thanks for commenting!

Excellent advise everyone. It's reassuring to hear that usually the less expensive hotels in a given area are nice, clean, and safe. I was hoping there would be enough time to spend a solid 3-4 days in Budapest and then spend the remaining 1.5 weeks in Croatia (including the national/state parks the...

Other than the areas we've discussed visiting, I haven't mapped out the route we would take to incorporate them all. Ideally, I'd like to use public transportation as much as possible (trains). It's a bit overwhelming to look at a map and see other countries/cities close enough that all of a sudden ...

My wife and I are considering going on a 2 week vacation in the early fall 2013 or early spring 2014. We're hoping to incorporate Croatia, Budapest, and depending on time Prague and Krakow (Poland). I've never been to Europe and had a few questions. What is the average amount, per person, that it wo...

Johm221122, From what you've suggested, how does the rebalancing work? I'm familiar with rebalancing when they're all under one umbrella and it's easy to just transfer funds, but I'm less familiar with how it could be accomplished when investments are spread out between a 401(k) and a Roth. I'm some...

I am planning on setting up a Roth IRA but was curious about purchasing/holding individual stocks within a Roth. Is this possible with a Vanguard Roth IRA? What are the benefits/drawbacks of doing so? Any and all information will be much appreciated. Thanks.

While I'm seeking recommendations for Roth IRA's and my 401(k) investments, I have another question: What is the best company to go through for purchasing individual stocks as part of your Roth IRA portfolio? Any assistance is appreciated. Thanks.

I currently have $21,244 invested in my 401K at the moment, 100% in a target fund (Schwab Index Ret Trust 2045). 10 months ago, in order to catch up, I upped my savings rate to 17%. So I'm putting about $7,500 a year into my 401K. Like most people, I would love to retire early (if possible) and comf...

I have been thinking about opening a Roth IRA with Vanguard. I just turned 30 and thought it would be a great gift to myself. I obviously misunderstood, but I didn't realize that in order to invest in VBMFX, VTSMX, and VGTSX, it would cost $3K each (total of $9K). I, for some reason, had thought I c...

I've got a basic question. Should I split my retirement savings between contributing to both a 401(k) and a Roth IRA or should I focus my savings into the 401(k) only? I'm having trouble trying to figure out if it will be more valuable to have a larger amount of money compounding (pre-tax) versus ha...

Currently i'm contributing 17% to my 401(K), but I'm strongly considering opening a Roth IRA with my wife. Two questions: 1) Can you jointly open a Roth? 2) I'm looking for some advice for how much to contribute to both a 401K and a Roth. I intend to contribute, at a minimum, enough to get all compa...

I just purchased a new bed and couch. They offered financing for 0%. I have the money to pay it off immediately, but thought it might be beneficial to space out the payment over a year. Will doing this adversely affect my credit score in any way?

First, some basic information that will help to understand my situation and tailor any advice. I'm 29 years old. Started a little late with investing in my 401K, but I'm trying to play catch up. I have about almost $16K invested in my 401K at the moment divided up: 84% in a target fund (Schwab Index...